Field-verified E&S property underwriting reports
See the building before you price the risk.
Theo Claims creates pre-policy building reports for older commercial, habitational, and mixed-use properties. We combine desktop research, supervised field inspection, photos, condition notes, and claim-aware documentation so carriers can underwrite with a stronger baseline.
Core Product
Pre-policy property intelligence for buildings that cannot be priced from a desk.
Older urban properties carry hidden underwriting questions: roof condition, water intrusion, facade distress, cellar conditions, electrical rooms, fire protection records, tenant activity, prior repairs, maintenance culture, and surrounding exposure.
Theo turns those questions into a proprietary pre-policy inspection report. A pre-inspection team loads public records, claim history, building data, and property-specific concerns before the site visit. A field team documents the property through a purpose-built underwriting inspection workflow. The office team builds the report while the inspection is still moving.
The result is not a generic loss-control checklist. It is a detailed pre-loss building file that underwriters, claims teams, risk engineering, and coverage counsel can use later when the facts matter.
Why Carriers Buy It
One report can pay for itself before the first claim.
The report is designed for E&S property accounts where a routine inspection does not give the underwriter enough certainty and a missed condition can become a six-figure claim problem.
Price the Risk
Underwriters get verified condition data that can support premium, deductible, exclusion, warranty, repair, or declination decisions.
Avoid Bad Accounts
Field inspection can reveal deferred maintenance, unsafe access, poor drainage, unreported occupancy changes, and system issues that remote data will miss.
Defend Future Claims
If a loss occurs, the carrier already has a dated baseline showing observed conditions before the policy period or renewal.
Report Scope
Built to capture the facts that drive property losses.
Every report is structured so the carrier can scan the risk quickly, then drill into the evidence behind each concern.
Underwriting Report
Property profile, public records, claim history, construction, occupancy, roof, facade, basement, MEP, fire protection, photos, and risk summary.
View report 02Field Inspection
Supervised roof-to-basement inspection using Theo's proprietary pre-policy inspection report, required photos, access notes, severity scoring, and issue tracking.
See workflow 03Carrier Savings
Designed to reduce surprise losses, improve pricing, document required repairs, and preserve evidence for claims, mediation, and litigation.
See value 04Expert Network
Building consultants, estimators, engineers, and field resources support the report when a property needs deeper technical review.
View supportEngine Behind the Product
Experts and consultants keep the report moving.
The underwriting report is the core offer. Theo's claim consultants, field resources, estimators, and technical experts support the work when the building needs deeper review or a carrier needs claim-side help after a loss.
Report Standards
Detailed enough for underwriting. Organized enough for scale.
Structured Data
Pre-filled records, forced-choice fields, severity ratings, open items, and required photo sets reduce inconsistent field notes.
Field Evidence
Photos and observations are tied to building areas, systems, floors, and issue categories so the report can be used later.
Quality Review
A supervisor reviews severe findings, missing access, unsupported conclusions, and report consistency before delivery.
Need a better file before binding the risk?
Submit the property, prior reports, target inspection window, and any carrier-specific questions for that property or program. Our core report is designed to answer the standard underwriting questions before special requests are added.
Submit Property